Influencer Marketer

About the company

DCB Bank is a new generation private sector bank with 442 branches across India.It is a scheduled commercial bank regulated by the Reserve Bank of India. DCB Bank’s business segments are Retail banking, Micro SME, SME, mid-Corporate, Agriculture, Government, Public Sector, Indian Banks, Co-operative Banks and Non-Banking Finance Companies.

Job Description

Department: Risk Analytics

CTC: Max 18 Lacs

Grade: Sr Manager/AVP

Experience: Min 4 years of relevant experience

We are looking for a Data Scientist to join our growing team of Data Science experts and manage the processes and people responsible for accurate data collection, processing, modelling, analysis, implementation, and maintenance.

Responsibilities

• Understand, monitor and maintain existing financial scorecards (ML Based) and make changes to the model when required.
• Perform Statistical analysis in R and assist IT team with deployment of ML model and analytical frameworks in Python.
• Should be able to handle multiple tasks and must know how to prioritize the work.
• Lead cross-functional projects using advanced data modelling and analysis techniques to discover insights that will guide strategic decisions and uncover optimization opportunities.
• Develop clear, concise and actionable solutions and recommendations for client’s business needs and actively explore client’s business and formulate solutions/ideas which can help client in terms of efficient cost cutting or in achieving growth/revenue/profitability targets faster.
• Build, develop and maintain data models, reporting systems, data automation systems, dashboards and performance metrics support that support key business decisions.
• Design and build technical processes to address business issues.
• Oversee the design and delivery of reports and insights that analyse business functions and key operations and performance metrics.
• Manage and optimize processes for data intake, validation, mining, and engineering as well as modelling, visualization, and communication deliverables.
• Communicate results and business impacts of insight initiatives to the Management of the company.

Requirements

• Industry knowledge
• 4 years or more of experience in financial services industry particularly retail credit industry is a must.
• Candidate should have either worked in banking sector (banks/ HFC/ NBFC) or consulting organizations serving these clients.
• Experience in credit risk model building such as application scorecards, behaviour scorecards, and/ or collection scorecards.
• Experience in portfolio monitoring, model monitoring, model calibration
• Knowledge of ECL/ Basel preferred.
• Educational qualification: Advanced degree in finance, mathematics, econometrics, or engineering.
• Technical knowledge: Strong data handling skills in databases such as SQL and Hadoop. Knowledge with data visualization tools, such as SAS VI/Tableau/PowerBI is preferred.
• Expertise in either R or Python; SAS knowledge will be plus.

Soft skills:

• Ability to quickly adapt to the analytical tools and development approaches used within DCB Bank
• Ability to multi-task good communication and team working skills.
• Ability to manage day-to-day written and verbal communication with relevant stakeholders.
• Ability to think strategically and make changes to data when required.

DUTIES / ACCOUNTABILITIES

Responsibilities include, but may not be restricted to:

• Analyze an organization and understand its processes and systems, to define the current state of the process (as is process map) and documenting relevant information needed to determine automation potential. The examples are as below :

• Process steps, number of applications involved, and process steps per application
• Process volumes, including any seasonal variations.
• FTE needed to execute the process
• Average handling time
• Process interdependencies
• Target SLA , Financial or regulatory points associated with the process.
• Process error rate, error volumes, and exception handling steps
• % of process steps including paper, voice, digital etc.

• Define the future state and/or business solution to automate the defined processes by designing the to-be process maps that includes some of the following information:

• Identifying & documenting clearly
  • The steps in the process suited for automation
  • The source systems, work queues, the flow of the steps, the decision points, the exception paths, and the business rules
  • Outputs and exceptional handling scenarios
  • Scenarios and test data
• Reduction in Average handling, and FTE takeout as a result of automation
• Recommendations to alter or reengineer process to improve automation potential
• Processes that are not suitable, or would not lend any return on investment

• Ensures the designs are documented within the defined project timelines, and with quality.
• Performs Quality Control via reviews of the design created by other business analysts.
• Responsible for receiving the sign-off on the design from the customer, and place the design under configuration control.
• Serves as the functional expert for the development and test teams.
• Resolve queries/issues from the development and test teams.

 KEY SKILLS

• 6 - 10 years of experience in requirements gathering, requirement management, gap analysis and SDLC.
• Working experience as a process architect/business analyst
• Experienced in writing Use Cases and High Level Functional cum Technical analysis deliverables
• Experience in working with key business representatives, data owners, end users, application designers and data architects to model current & to be processes.
• Eye for detail and good documentation skills are needed
• Fluency in English, both written and verbal essential
• Strong ability to understand the steps of a process that lend itself to automation. Knowledge of key features of the automation product is needed.
• Advanced problem solving and analytical skills. 
• Ability to multi task in a fast-paced environment.